Market Growth GICs
Earn up to {{a.gicrates|jsonFilter:'productId':'717'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} with a TD Canadian Banking & Utilities GIC1
Capitalize on the growth potential of the world’s leading stock markets without risking your principal investment.
-
About Market Growth GICs
-
What TD Offers
What are Market Growth GICs?
GIC Rates
Benefits of Market Growth GICs
100% guaranteed principal
Higher potential return
No fees
Flexibility
Low minimum investment
TD Canadian Banking & Utilities GIC
Return linked to Index:
- S&P/TSX Bank Index (50% weighting)
- S&P/TSX Capped Utilities Index (50% weighting)
TD Canadian Banking & Utilities GIC
Investment Minimum |
$1,000
|
Cashability |
Not cashable
|
CDIC Eligible |
Yes
|
Term and Rate: 3 years |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'717'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}1
Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'717'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Term and Rate: 5 years |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'721'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}3
Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'721'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Interest Payment Options |
Guaranteed Minimum Interest Return is compounded annually and paid at maturity. Bonus interest, if any, is paid at maturity.
|
Investment Minimum |
$500
|
Cashability |
Not cashable unless for RESP/RIF payments
|
CDIC Eligible |
Yes
|
Term and Rate: 3 years |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'717'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}1
Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'717'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Term and Rate: 5 years |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'721'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}3
Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'721'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Interest Payment Options |
Guaranteed Minimum Interest Return is compounded annually and paid at maturity. Bonus interest, if any, is paid at maturity.
|
Non-registered and TFSA
|
RSP, RIF and RESP
|
|
---|---|---|
Investment Minimum |
$1,000 |
$500 |
Cashability |
Not cashable |
Not cashable unless for RESP/RIF payments |
CDIC Eligible |
Yes |
Yes |
Term and Rate: 3 years |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'717'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}1 Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'717'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'717'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}1 Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'717'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Term and Rate: 5 years |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'721'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}3 Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'721'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'721'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}3 Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'721'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Interest Payment Options |
Guaranteed Minimum Interest Return is compounded annually and paid at maturity. Bonus interest, if any, is paid at maturity. |
Guaranteed Minimum Interest Return is compounded annually and paid at maturity. Bonus interest, if any, is paid at maturity. |
TD Canadian Banks GIC
Return linked to Index:
TD Canadian Banks GIC
Investment Minimum |
$1,000
|
Cashability |
Not cashable
|
CDIC Eligible |
Yes
|
Term and Rate: 3 years |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'732'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}1
Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'732'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Term and Rate: 5 years |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'741'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}3
Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'741'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Interest Payment Options |
Guaranteed Minimum Interest Return is compounded annually and paid at maturity. Bonus interest, if any, is paid at maturity.
|
Investment Minimum |
$500
|
Cashability |
Not cashable unless for RESP, RIF payments
|
CDIC Eligible |
Yes
|
Term and Rate: 3 years |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'732'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}1
Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'732'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Term and Rate: 5 years |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'741'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}3
Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'741'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Interest Payment Options |
Guaranteed Minimum Interest Return is compounded annually and paid at maturity. Bonus interest, if any, is paid at maturity.
|
Non-registered and TFSA
|
RSP, RIF, RESP
|
|
---|---|---|
Investment Minimum |
$1,000 |
$500 |
Cashability |
Not cashable |
Not cashable unless for RESP, RIF payments |
CDIC Eligible |
Yes |
Yes |
Term and Rate: 3 years |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'732'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}1 Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'732'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'732'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}1 Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'732'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Term and Rate: 5 years |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'741'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}3 Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'741'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'741'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}3 Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'741'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Interest Payment Options |
Guaranteed Minimum Interest Return is compounded annually and paid at maturity. Bonus interest, if any, is paid at maturity. |
Guaranteed Minimum Interest Return is compounded annually and paid at maturity. Bonus interest, if any, is paid at maturity. |
TD U.S. Top 500 GIC
Return linked to Index:
TD U.S. Top 500 GIC
Investment Minimum |
$1,000
|
Cashability |
Not cashable
|
CDIC Eligible |
Yes
|
Term and Rate: 3 years |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'746'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}1
Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'746'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Term and Rate: 5 years |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'748'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}3
Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'748'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Interest Payment Options |
Guaranteed Minimum Interest Return is compounded annually and paid at maturity. Bonus interest, if any, is paid at maturity.
|
Investment Minimum |
$500
|
Cashability |
Not cashable unless for RESP, RIF payments
|
CDIC Eligible |
Yes
|
Term and Rate: 3 years |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'746'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}1
Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'746'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Term and Rate: 5 years |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'748'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}3
Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'748'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Interest Payment Options |
Guaranteed Minimum Interest Return is compounded annually and paid at maturity. Bonus interest, if any, is paid at maturity.
|
Non-registered and TFSA
|
RSP, RIF, RESP
|
|
---|---|---|
Investment Minimum |
$1,000 |
$500 |
Cashability |
Not cashable |
Not cashable unless for RESP, RIF payments |
CDIC Eligible |
Yes |
Yes |
Term and Rate: 3 years |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'746'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}1 Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'746'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'746'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}1 Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'746'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Term and Rate: 5 years |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'748'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}3 Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'748'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Guaranteed Minimum Interest Return is {{a.gicrates|jsonFilter:'productId':'748'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}3 Maximum Return2 is {{a.gicrates|jsonFilter:'productId':'748'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} |
Interest Payment Options |
Guaranteed Minimum Interest Return is compounded annually and paid at maturity. Bonus interest, if any, is paid at maturity. |
Guaranteed Minimum Interest Return is compounded annually and paid at maturity. Bonus interest, if any, is paid at maturity. |
You might also be interested in:
Laddering Maturities
Before applying for a GIC online
- Decide what account type you'd like to hold your GIC in – You can hold your GIC in a non-registered, registered or U.S. dollar account.
- Select type of GIC – Select from Special Offer, Market Growth, Cashable GICs and more. Not sure what's right for you? See the types of GICs we offer.
- Have funds in your account ready to go – You'll want to make sure your account has sufficient funds to purchase the GIC before you begin your application.
Ways to Apply
Apply online
If you have an account with TD Canada Trust, you can apply now.
Book an appointment
Meet with a banking specialist in person at the branch closest to you.
Call us
Our banking specialists are ready to answer any questions you may have.
1-888-568-0951 1-888-568-0951
Deposit Insurance
Your deposits may be insurable by the Canada Deposit Insurance Corporation.
For further details on how the interest return is calculated, please refer to the TD Canada Trust Market Growth GICs Disclosure Statement.
1 Return linked to market index performance. Maximum return of {{a.gicrates|jsonFilter:'productId':'717'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} is over the entire 3-year term.
2 Applies to TD Canadian Banking & Utilities GIC. Subject to change.
1 Actual return is 0.3995% per annum, compounded annually, payable at maturity (equivalent to 1.20% total return)
2 Equivalent to the total return over the term of the investment (i.e. not an annualized rate)
3 Actual return is 0.9816% per annum, compounded annually, payable at maturity (equivalent to 5.00% total return)
1 Actual return is 0.3333% per annum, compounded annually, payable at maturity (equivalent to {{a.gicrates|jsonFilter:'productId':'706'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} total return)
2 Equivalent to the total return over the term of the investment (i.e. not an annualized rate)
3 Actual return is 0.3979% per annum, compounded annually, payable at maturity (equivalent to {{a.gicrates|jsonFilter:'productId':'715'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} total return)
1 Actual return is 2.0584% per annum, compounded annually, payable at maturity (equivalent to {{a.gicrates|jsonFilter:'productId':'732'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} total return)
2 Equivalent to the total return over the term of the investment (i.e. not an annualized rate)
3 Actual return is 2.1102% per annum, compounded annually, payable at maturity (equivalent to {{a.gicrates|jsonFilter:'productId':'741'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} total return)
1 Actual return is 1.1218% per annum, compounded annually, payable at maturity (equivalent to {{a.gicrates|jsonFilter:'productId':'746'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} total return)
2 Equivalent to the total return over the term of the investment (i.e. not an annualized rate)
3 Actual return is 1.2685% per annum, compounded annually, payable at maturity (equivalent to {{a.gicrates|jsonFilter:'productId':'748'|jsonValueByAttr:'minimumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} total return)
Site Index
- Personal Home
- My Accounts
- How To
- Today's Rates
- Accounts (Personal)
- Chequing Accounts
- Savings Accounts
- Youth Account
- Student Account
- Credit Cards
- Aeroplan points
- Travel Rewards
- Cash Back
- No Annual Fee
- Low Rate
- U.S. Dollar
- Mortgages
- Borrowing
- Personal Investing
- GIC & Term Deposits
- Mutual Funds
- TFSA - Tax-Free Savings Account
- RSP - Retirement Savings Plan
- RIF - Retirement Income Options
- RESP - Education Savings Plan
- RDSP - Disability Savings Plan
- Precious Metals
- Insurance
- Travel Medical Insurance
- All Products
- Students
- New To Canada
- Banking Advice for Seniors (60+)
- Cross Border Banking
- Foreign Exchange Services
- Ways to Pay
- Ways to Bank
- Green Banking
- TD Ready Advice
- Small Business Home
- Accounts (Business)
- Chequing Account
- Savings Account
- U.S. Dollar Account
- AgriInvest Account
- Cheque Services
- Credit
- Overdraft Protection
- Line of Credit
- Business Credit Cards
- Loan
- Business Mortgage
- Canada Small Business Financial Loan
- Agriculture Credit Solutions
- TD Auto Finance Small Business Vehicle Lending
- Invest for your Business
- Advice for your Profession or Industry
- TD Merchant Solutions
- Foreign Currency Services
- Employer Services